ACH Scout is designed by auditors for auditors and analysts (internal and external) who need to examine and evaluate ACH data.

Perfect for smaller FI’s
Perfect for spot audits in larger FI’s
Perfect for third party senders

Simply point ACH Scout to a folder that contains NACHA formatted ACH files and within minutes you get a snapshot of origination activity.

Isolate issues needing attention
Drill through for further analysis
This automated process is far superior to the tedious, time consuming and error prone manual alternative which can take as much as an entire day or longer. ACH Scout is Laru Technologies entry into the emerging field of RegTech (Regulatory Technology). With the arrival of new Fin Tech entities & faster payments, regulators are looking to technology companies to help them with “smart” regulatory tools.

ACH Scout delivers powerful capabilities to the auditor’s fingertips without the hassle of complicated software setup or configuration!

FileFox is a full-featured ACH editor with a wide array of tools for composing, repairing, searching and manipulating NACHA formatted files. FileFox knows what to do when it comes to editing ACH data. As you make changes, batch totals and hashes are automatically recomputed on the fly. Cut, Copy, and Paste ACH data. FileFox takes care of the details to ensure you produce only valid NACHA files.

Create ACH files even if the online bank system is down. If your customer is unable to send you ACH Files because the online banking system is down, FileFox can create the ACH files from CSV, or Excel spreadsheet formats.

FileFox Viewer enables secure ACH file sharing with your customers and bank staff with no editing capabilities. FileFox and FileFox Viewer are all you need, to have valid NACHA formatted ACH files easily.

Parameter Based Analysis and Reporting

ACH Clarity is a comprehensive risk monitoring system that alerts you to governance, risk and compliance issues through user friendly report generation, scheduling and distribution. Clarity reports focus on NACHA rule violations, unauthorized returns, transaction trends, originator behavior, third party payment processors and much more.

– Turnkey system monitors both ODFI and RDFI traffic for all SEC codes – including IAT
– Multi-day limits alert you to a typical origination activity
– Reconciliation of returns to original items provides insight into potential fraud events by highlighting origination days or files with high return rates
– Possible ACH rule violations are flagged automatically – both ODFI and RDFI – alerting you to possible “bad actors” present in your ACH data
– Volume reports let you slice your ACH data by Date, SEC code, Originator and more.Volume reports let you slice your ACH data by Date, SEC code, Originator and more

ACH Vision is a complete risk and fraud prevention system for originators of ACH transactions. Vision quarantines out-of-pattern transactions, whether these are the result of deliberate wrongdoing or innocent mistakes. In either case your organization and your customers are protected from costly delays, errors, omissions and outright losses.

ACH Vision serves as the gatekeeper to the FI’s core processor and hence, risk. It looks out for – Account Takeover Attacks, SEC Code Prohibitions and Limits, Duplicate File and Batch detection, Unfunded Returns Risk exposure, Phishing, and More.

Real Time Anomaly Detection
FFIEC Compliance
OFAC Check
Out of Band

Vision has a tool chest of 50 plus monitoring rules. Once these rules are configured Vision will put a hold on any file that violates them and prompt the FI for next steps. This filtering process draws attention to risky transactions, thus preempting the need to examine every transaction and file.